Health and Dental Choice A

Offers economical health and dental coverage

Health Coverage Choice Health and Dental Choice A helps cover eligible health expenses that are relatively low. If you have higher health expenses, are concerned about increasing costs later or want emergency travel medical coverage, consider either Health Choice B or Health Choice C.

Plan details:

A combined lifetime maximum of $250,000 applies to all benefits excluding dental.

Prescription drugs

  • Pay-direct drug card (except Quebec)
  • 80% reimbursement
  • $500 annual maximum
  • Up to $5.00 paid towards dispensing fee on prescriptions
  • Smoking cessation medication ($250 lifetime maximum)
  • Excludes:
    • Contraceptives
    • Fertility drugs
    • Dietary supplements, vitamins
    • Over-the-counter medications, even if prescribed by a physician or nurse practitioner
    • Drugs to treat obesity


  • 80% reimbursement
  • $700 annual maximum
  • Recall visits every 9 months
  • Preventive dental coverage includes:
    • Examinations and diagnosis
    • Tests, x-rays and lab exams
    • Space maintainers for children under 12 years of age
    • White fillings
    • Scaling and minor extractions
    • Pit and fissure sealant for children under 19 years of age

No coverage. Restorative dental care is available on Health Choice B and Health Choice C as part of the optional dental benefit.

Supplemental healthcare

  • 80% reimbursement
  • The maximum per person is $2,000 per fracture or injury

  • 80% reimbursement
  • Ground ambulance service
  • No coverage for air ambulance

  • 80% reimbursement
  • $300 maximum every 5 years

  • 80% reimbursement
  • $2,500 annual maximum combined with in-home nursing
  • $20,000 lifetime maximum combined with in-home nursing

The following items have a $2,500 annual maximum and $20,000 lifetime maximum combined with medical equipment and services:

  • Artificial limbs or other prosthetic appliances
  • Orthopaedic shoes and orthotics, limited to $200 in a calendar year
  • Splints and crutches
  • Casts
  • Braces
  • Wigs and hairpieces, limited to $100 in a calendar year
  • Oxygen
  • Continuous glucose monitors
  • Diagnostic laboratory and x-ray examinations
  • Blood glucose monitor, limited to $150 during a 5-year period
  • Rental, or purchase at our option, of durable equipment required for use in the patient's home and is approved by us. Eligible durable equipment includes, but is not limited to, items such as:
    • wheelchairs, to a $1,000 lifetime maximum
    • walkers
    • hospital beds
    • traction kits


  • 80% reimbursement
  • $2,500 annual maximum combined with medical equipment and services
  • $20,000 lifetime maximum combined with medical equipment and services

*Private duty nursing includes services of registered nurses, registered practical nurses or registered nursing assistants

Paramedical practitioners

  • 80% reimbursement
  • $25 maximum per visit
  • Up to $250 per year, per type of practitioner
  • Paramedical practitioners include: acupuncturists, chiropractors, naturopaths, osteopaths, physiotherapists, podiatrists/chiropodists, registered massage therapists, speech language pathologists 
  • Psychologists/social workers: $60 per visit up to $300 per year

Vision care

  • 100% reimbursement
  • $150 maximum every 2 years, including $50 maximum per eye exam
  • Includes coverage for: prescription eyeglasses, prescription contact lenses, prescription sunglasses and laser eye surgery

Emergency travel medical

Semi-private hospital room

  • 50% reimbursement
  • $5,000 annual maximum

If you are pregnant at the time of application, we will pay for up to 2 days of hospitalization due to pregnancy.

Additional services

Age requirements

  • Available for applicants up to age 74 and renewable for customers age 75 and over.


You are eligible for coverage if:

  • You and your family members included on the application are within 60 days of leaving a group benefits plan that had similar health coverage. For example, to include dental coverage, you must have been covered for dental under your group benefits plan.
  • You are in Canada when you complete and submit the application
  • You and your family members are residents of Canada and have provincial or territorial health and drug coverage
    • Quebec residents must also have and continue to have group drug coverage provided by an employer, through membership in an order or association or through the Régie de l’assurance maladie du Québec (RAMQ). A person not covered under a group benefit plan or through RAMQ is not eligible for coverage
  • Your dependent children are under age 25. Dependent children aged 21 to 24 must be full-time students
  • There are no medical requirements.

More information

  • You must also apply to your provincial or territorial government health and drug  plan first, then submit a claim to us for the unpaid portion.
  • All annual or lifetime maximums are per person and based on a calendar year (January 1 to December 31).
  • We may change rates each year. If we do change the rates, we’ll send you written notice at least 30 days before the change.
  • Waiting periods begin on the date the policy becomes effective.
  • This page does not form part of your policy. If there are any inconsistencies between the content on this page and your policy, the terms of your policy will apply. Your policy includes exclusions and limitations of coverage.

Sample policies

Read examples of text that can appear in a policy. Not all the provisions apply to every policy – it is simply for your reference. When we issue a policy it governs the legal relationship between us and the client. An actual policy can have provisions that are somewhat different from those that you've read here.

  Health and Dental Choice A

  Health Choice B with Dental

  Health Choice C with Dental


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